"Nuking Debt Collection agencies !"

[Doug]

I am getting incresingly disturbed by the tactics used by debt collection agencies in the art of "Recovery "
There are at least two sides to every story and debt collectors do have a job to do , they have to know the difference between a "Del Boy " trying to escape his or her commitments and a genuine "not won't pay, but Can't pay Case "

The following template may be of someuse if you find yourself in an intolerable situation with Debt collectors .

Please note though
1) I am not A Lawyer. Always seek professional guidence before using this letter
2) Be Cautious using this letter. Ask your Debt Councillor or IP before sending it .Especially if you are thinkng of entering an IVA or any other proposition where you are intending to seek the creditors to write off some of the debt . There is no point suing anyone whom you will later be trying to negotiate a " Debt Write Off" with. (It may weaken your positon if they are a dominent Creditor)

Now the disclaimer is done ! Go have some Fun [}:)]

Dear Sirs

<quote the full reference and heading from their letter>

<delete or change any paragraphs that do not apply to your specific situation>

I have received your letter dated xx/xx/xx and note the contents.

Please note that I do not wish to receive any telephone calls in respect of this matter. I do not wish to receive callers at my home address for any reason. I will be prepared to discuss this issue only in correspondence or otherwise by prior written agreement.

I will regard any further approaches other than in writing as harassment under S40 of the Administration of Justice Act 1970, and any inappropriate written contact as harassment under that Act or S1 of the Malicious Communications Act 1988.

I am advised that your approach so far may already be considered in breach of regulations governing debt collection practices as summarised in the attached sheet. If necessary I will report the matter immediately to the OFT which may have implications for both your own company and any employees/ clients involved.

Please let me have full details of the amount claimed including copies of the last invoice or statement confirming that balance. If the amount includes interest charges or penalty payments please confirm the rate(s) and amounts. Please also let me have a copy of the agreement or tariff under which such charges were applied.

I am unable to make any offer of payment at present. As soon as I have full details of the amount and can establish to my satisfaction that the claim is valid, I will make whatever offer I can afford to resolve the matter. If I have any queries claims or counterclaims on this issue I reserve the right to contact the original service provider to resolve those matters. I will copy you in on any correspondence.

Yours sincerely,


A Stone ( no Blood , going Bankrupt ,your still harassing me !!!!!! **** off ! or I sue and tell whole world about you!)

[MelanieGiles]

Can I suggest that anyone thinking of proposing an IVA to their creditors, and thus asking for debt forgiveness, carefully considers the merits of using such a letter before sending it.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[go_4_broke]

Bear in mind tho this is not intended for creditors - only numpty debt collection agencies. I used something very similar myself.



New to the forums - but not to debt !